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South Dakota Cash on Cash Return Calculator

Cash on cash return measures annual cash flow ÷ total cash invested. Pre-filled with South Dakota market data including property tax, insurance, vacancy rates, and management fees.

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Property & Financing

Rental Income

Operating Expenses(South Dakota defaults)

Total Annual Expenses$12,400

South Dakota Market Context

Avg Cap Rate

6.5%

Median Price

$320K

Property Tax

1%

Vacancy Rate

7.6%

Local Factors

  • -No state income tax benefits investor net returns
  • -Sioux Falls is the primary rental market with healthcare and finance employment
  • -Severe weather drives above-average insurance costs

Cash on Cash Return

-25.0%

Negative
Annual Cash Flow$-18,426
Monthly Cash Flow$-1,536
Total Cash Invested$73,600
Monthly Mortgage$1,703
NOI$2,012

Where Rent Goes

COC RETURN-25.0%
Cash Flow$0
Debt Service$20,438
Expenses$12,400

Cash Invested Breakdown

Down Payment$64,000
Closing Costs$9,600

What does this mean?

Negative cash on cash means you're losing money each month. The property's rental income doesn't cover your expenses and mortgage. Consider renegotiating the price, increasing rents, or walking away.